Property360 - National Digital Magazine - 3 September 2021

S E P T E M B E R

PROPERTY

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JOINT PROPERTY PURCHASE THE NEW TREND

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Buying property with others can be wise investment strategy – if you pick the right partners and safeguard yourself. PICTURE: GERD ALTMANN/PIXABAY

Louis Barnard also known as FrugalLocal.

Keep your eyes open if you buy property jointly There are many pitfalls when purchasing a home with friends or family, so draw up a contract to protect all of you BY BONNY FOURIE bronwyn.fourie@inl.co.za

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NFLUENCER and property investor Louis Barnard bought his first property with his father and sister. It was the start of a journey that has led him to ownership of several brick-andmortar assets, many of which were initially purchased with others.

After all, when you share ownership you also split the risks.

You do, however, need to be wise about the people you club together with.

“Everyone should bring something to the table. For example, one person brings the skills of a handyman, another brings money.

“This has worked well with some of my friends who bought a property that needed some fixing and renovations. They’re currently letting it and getting good returns.”

A good-sized purchasing group involves three or four people as “more than that becomes a nightmare in managing everyone”.

But Barnard, better known as FrugalLocal, says no matter who you buy with, you need a contract with your mates as not all families, groups of friends or co-operative groups can be trusted.

MY STORY “I bought my first property, in Pretoria, with my sister and father with no contract when I was 22.

I was young and stupid – but it

was well-played and well-managed because we valued relationships more than money,” says Barnard, now 36.

“We split all the income and expenses 33.33% each. The home loan was in all our names, though my sister and father’s income was put up for surety, as I didn’t qualify at the time.”

When they sold the property, everything was split 33.33% too.

“No one exited the group but, if they had done, it would have caused chaos regarding the extra bond costs, contracts and legal fees,” Barnard says.

YOUR (POSSIBLE) STORY While his first joint purchase did not suffer any negative consequences, Barnard offers this advice to those looking to buy property with the help of others: Be aware of risks When managing the risks of buying property together, he says you need to think about the terms beforehand, during and after. You also need to consider how you will handle a crisis, financial or otherwise.

“Managing risk is vital in any property deal. I know we don’t want to start a business with failure in mind but the cliché of ‘failing to plan is planning to fail’, rings true.”

Although he has always “chosen his business partners

well”, and therefore not had many negative outcomes or difficulties when purchasing jointly, there are still risks if one party wants to sell and others do not.

“I suggest a legal contract between all the parties is drawn up by a lawyer – don’t do verbal agreements, as everyone remembers the terms differently.

Cover all ends – before, during and after – and what happens to the profits and losses.”

Clarify the terms Before embarking on a joint partnership process, each party needs to understand their place among the partners.

For example, Barnard says: • One person brings skill, another brings money and a third finds the excellent deal.

• Everyone brings their share of the money.

• One person brings a lump sum – a deposit, bond and transfer costs, whereas another will pay the shortfall and manage emergencies.

• All costs are split evenly among everyone.

“Once you’ve pinned down what the terms are, you can proceed with managing how the property, money, bond and emergencies will be managed, throughout the ownership of the property.”

Emergency fund Not only must all running costs be evenly split,

Barnard says each owner must pay a bit extra every month to save for a rainy day.

“I feel very strongly about having a property emergency fund.

People are made redundant. They get retrenched. Money dries up...

“During your investment period, things might happen, such as a burst geyser. Having an emergency fund for unforeseen, unplanned emergencies can make your life a lot easier.”

Barnard suggests that a separate bank account be opened for the property to eliminate the possibility of foul play.

Have an exit strategy Another reality is that people fall out – so you should always have an exit strategy.

“It is important to think about exit strategies and have a contract in place in case one party cannot pay the running costs any more or gets liquidated.”

Occurrences like these could happen at any time, including during the loan term, once the bond is paid off or when the property is on the market but not getting sold.

“As you can imagine, this can become really, really complicated.

When people want to exit immediately, many people opt to sell at a reduced rate – meaning their investment is no longer worth much.”

Barnard lists some examples of rules governing the exit of a joint property investment: • The investor needs to be invested for a certain number of years.

• If the investor exits before this time, due to unforeseen circumstances (retrenchment etc), there will be a penalty or admin charge of a percentage of the amount.

• The other parties/shareholders have first right to buy out the exiting person.

• The exiting person should find a replacement – although this is more common among stokvel members.

Green for ‘go’ or red for ‘stop’ Experience often teaches valuable lessons about the kinds of people you can and should get into business, or joint property ownership with, and those you should steer clear of.

Barnard recommends that you invest in property only with people who you both trust and enjoy being around.

“If they cannot work with their money or are dishonest with other people, then it’s a ‘no’ from me.

Honest people don’t do business with dishonest people – and the same is true for property.

“Trust, knowledge and boundaries are vital in business relationships,” he says.

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Letter from the editor A GROUP of four single people I know, who were fretting about their savings not lasting into their old age, decided to club together to buy a five-bedroom house.

They had initially thought to buy in the countryside, where it would have been cheaper, but the convenience of living closer to amenities won out.

It was decided that the fifth bedroom would be allocated to a carer, when the time came for them to have one, and in the meantime they rented the room to a student.

They bought the home for a good price, each paying a calculated share towards it, including transfer fees.

With a rock-solid, written agreement in place to take care of problems such as if a partner should die or want to move out and sell their share, all eventualities were taken care of legally.

Added to that, they decided to have a kitty – a levy of sorts – that each paid into for things such as the upkeep of the garden and home repairs.

It also helped to keep costs down that they had varying skills to contribute to the partnership.

They were friends who understood each other but, even then, living with people is not always easy, and an adjustment period was necessary.

The home has three full bathrooms and a separate toilet.

Two rooms were converted to have separate entrances and the group discussed building a basic kitchen nook for the rental room.

Ultimately, although they ended up spending more than they originally put in, the group feel they beat the system and envisage this being their old-age home.

“It’s ideal – we make our own rules, we have similar living habits, we have companionship when we want it, and escape when we don’t, plus it’s the ideal digs for older people.

“What with apps that get us groceries within an hour, a chemist that delivers medicine when needed, a great neighbourhood (and nice neighbours), plus a student we can boss around to do some handyman things, I am happy with this outcome,” says one.

We don’t have to go it alone, even if we are single. Our stories this week show us how to buy property jointly and how it might be the answer to help you get on the property ladder, no matter your age.

Warm regards

Vivian Warby vivian.warby@inl.co.za

FIND US HERE: @property360.co.za

@property360_za

@property360.co.za

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More South Africans are taking advantage of the benefits of joint property ownership.

PICTURE: FAUXELS/ PEXELS

Doing it together Banks confirm nearly half of home loan applications come from more than one person

BY BONNY FOURIE bronwyn.fourie@inl.co.za

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ITH INTEREST rates remaining at their lowest levels in decades, and many aspiring homeowners still short of the finances to buy, South Africans are clubbing together to get on to the property ladder.

These enterprises range from joint purchases between romantic partners, families and friends, to members of stokvels and even larger crowdfunding platforms.

Banks say a large proportion of their home loan applications are from joint buyers, although they cannot differentiate between buyers who are romantically involved and those who are investment partners.

Vanashree Naidoo, product head at FNB Private Bank Lending, says 40% to 45% of the bank’s home loan applications are from joint buyers, mostly involving two people.

“Purchase of freestanding residential properties seems to dominate in this space, followed by sectional title units with average prices of about R1.2 million.

“We have, however, noticed an increasing trend in purchases of homes in new developments

by joint buyers, which indicates a move towards lifestyle estate living,” Naidoo says.

She says people generally apply for joint home loans to improve affordability, especially when all the parties have a steady income.

In the first six month of this year, joint bonds made up just under 40% of Absa’s registration volumes, says Geoffrey Lee, managing executive at Absa Home Loans.

“Clients were mainly buying dwellings, as opposed to vacant land or smallholdings. Sectional title properties made up just below 30% of our registered volumes.”

He says the most popular loan sizes are still under R1m, with those from R1m to R2m “gaining good momentum”.

Joint property purchases are growing in popularity to such an extent that FNB has launched a lending solution that allows up to eight people to buy property for residential purposes as a collective.

F R I E N D S A N D FA M I LY Lee says joint applicants can be friends, family or acquaintances who come together to increase

affordability, to get finance for a property purchase.

“Given that they are both jointly and severally liable for the mortgage provided, they need to consider obtaining legal advice in terms of tax liability and what would happen if one of the partners got into financial distress and was not able to make the payments. They also need to consider other events which could derail the process, such as divorce or death.”

As joint applicants tend to focus on the benefits of pooling assets, they do not always give sufficient consideration to the problems if things don’t go as planned.

Naidoo advises joint buyers to ensure all parties see money the same way and have the same goals.

“Buying a property together is a serious commitment with long-term ramifications which should not be taken lightly.

“Also important to note if you are applying for a joint home loan is that all applicants are jointly and severally liable for the bond as both the bond and the property are registered in the name of all the applicants,” she says.

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STOKVELS Silindile Leseyane, property investor and co-founder of Sakhisizwe Property Stokvel, has seen a rise in the number of stokvels buying property together.

She is also seeing more people from different race groups forming stokvels to buy property.

“We all know property can be expensive, and the barriers to entry can be high for individuals, but through the collective power of stokvels, it is becoming easier for people to club together to buy.”

Sakhisizwe Property Stokvel, through its membership of the SA Property Investors Network, comes across many investors looking to use crowd funding or stokvels to fund their goals.

She says stokvels differ but each sets out clear objectives in terms of what they are aiming to achieve.

Some buy land and build, some buy to let and some buy homes for personal use.

Leseyane has recently noticed a rising trend of stokvels buying investment properties: “They leverage their collective buying power to access bigger investment opportunities or collaborate with property investors or developers as funding or equity partners.”

But while stokvels circulate an estimated R50 billion, according to the National Stokvel Association of SA, she says most of this income is focused on short-term spending and not wealth creation.

“If even a fraction of these stokvel funds were used to buy or invest in property, it could be a great way to close the wealth gap as property ownership is one of the cornerstones of wealth creation.”

CROWDFUNDING The main difference between a stokvel and crowdfunding to buy property is that stokvels are more informal and rely on selfregulation and members’ individual responsibilities. Crowdfunding has a legal framework. Online crowdfunding initiatives can also reach more people.

Real estate crowdfunding is changing the game for young investors globally, says Zak Omarjee, founder and chief executive of Crowdprop.

“Millennials and Gen Z are known for their different approach to money in comparison with other generations. These investors demand more autonomy over their investments and are surrounded by tools and technologies. This not only allows more control over investments but also more diversity in terms of how they are spreading their risk among investments.”

T O K E N I S AT I O N A new global trend in shared property ownership is tokenisation where investors can digitally purchase shares in a real estate asset, much like crypto currency. These shares become tradable, like stocks.

Each fraction of the asset can be bought by individuals and the details are stored on a distributed ledger.

Zane de Decker, managing director of Flyt Property Investment, which launched Africa’s first property-backed security token last year, says the move to digital assets brings an exciting new option for investors. The Flyt token, which resides on the Ethereum blockchain, allows investors to subscribe to, redeem and transfer shares in the Flyt Hospitality Fund, a South African Section 12J fund investing in hospitality property and aparthotels – specifically sectional title, serviced apartments and student accommodation.

DISCLAIMER: The publisher and editor of this magazine give no warranties, guarantees or assurances and make no representations regarding any goods or services advertised within this edition. Copyright ANA Publishing. All rights reserved. No portion of this publication may be reproduced in any form without prior written consent from ANA Publishing. The publishers are not responsible for any unsolicited material.

Publisher Vasantha Angamuthu vasantha@africannewsagency Executive Editor Property Vivian Warby vivian.warby@inl.co.za Features Writer Property Bonny Fourie bronwyn.fourie@inl.co.za Design Kim Stone kim.stone@inl.co.za

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There are bargains – and there are lemons You could do very well when bidding for a ‘distressed’ property but do your homework, agents advise

BY BONNY FOURIE bronwyn.fourie@inl.co.za Q: WHERE would I find distressed properties for sale? And what should I look out for or be aware of when purchasing such a property?

A: Bank mandated or distressed sales aren’t always advertised on the normal property portals. The easiest way to find distressed listings is to get in touch with an estate agent from an agency affiliated with all the major banks.

Bank mandated sales can be bargains but it is a mistake to assume this is true without doing further investigation.

Research recent sales of similar properties in the area to understand where the distressed home fits into the market and chat to a local estate agent to get the inside scoop.

It’s also important to find out as much as possible about the property itself. Is it empty or tenanted? Are there any outstanding sectional title levies or municipal rates? Are there any restrictions on usage or building? All of these things can affect the viability of a purchase.

It’s always advisable to do a proper inspection on the property before any purchase. Ensure you obtain a copy of the seller’s disclosure document – a document in which the seller lists all the defects he/she is aware of – so that there are no unexpected discoveries when taking occupation of the property later.

There is plenty of competition among buyers to get the best distressed-property bargains, so get prequalified financially,

If you want to sell your rental property, but have tenants in it, consider asking if they would like to buy it.

PICTURE: AVI NAIM/ UNSPLASH

meaning you will know exactly how much you can afford to offer. Be ready to act quickly or risk losing out. Know what you can afford, know the property’s value, and set firm limits. A bargain is only a bargain if you get your price right.

– Tony Clarke, managing director of Rawson Property Group Q: Which is the better investment, a new build or existing home? And what are the pros and cons?

A: There are pros and cons to buying both an older home in an established neighbourhood and a new build in an up-and-coming area but the most important thing is that you are clear about your motivation for buying and how that property will suit your lifestyle.

New-build properties appeal for several reasons. First, there is no transfer duty to pay, which is a huge saving on the overall cost of purchasing a home.

Buyers often have input to the final look and feel of their home by choosing finishes they prefer.

New-build properties are often more practical in design, with a focus on space and energy efficiencies, reducing consumption costs. Being new, there will be little maintenance required at first.

Older properties are generally located in established areas, so it gives buyers an opportunity to live in popular built-up areas in a central location. Such areas are sought after because of their access

to schools, shops and natural drawcards such as beaches and mountain reserves.

Erf sizes are usually much bigger and afford buyers the ability to add additional value through improvements.

– Hugo la Grange, principal at Jawitz Properties Western Seaboard

The future growth of the KZN North Coast remains positive. – Grant Gavin, broker/owner of RE/MAX Panache

Q: We were considering moving to KwaZulu-Natal but, with the recent riots, we are a little concerned over future such occurrences. Should we still buy there? Are many KZN residents selling their homes to semigrate elsewhere?

A: Selling with your tenants in place can be difficult, so you may have to do some additional preparation before your property goes on show. Unfair as it may be, tenants generally have a reputation for not keeping homes in the best condition and many potential buyers seeking a home for themselves will thus be reluctant to look at a property where a tenant is still resident.

In many cases, other buy-to-let investors who might be interested in adding your property to their portfolio would prefer to find their own tenants.

And incumbent tenants who really don’t want to move can deliberately put obstacles in the way of a sale.

The best course is to first find out whether these tenants might want to buy the property themselves. If that is not possible, it is generally better to give them reasonable notice and then prepare an empty property for sale, with the incentive for prospective buyers being that it would be ready for immediate occupation once the suspensive conditions of the offer to purchase have been met. – Gerhard Kotzé, managing director of the RealNet estate agency group

A: While many may have considered relocating following the recent unrest in KZN, only a few have gone through with the decision. As the emotion generated by the traumatic events settles down, many homeowners are reassessing their decisions.

Cape Town has always been the premier semigration destination for people leaving KZN and, yes, we have seen an increase in KZN homeowners requesting market price assessments of their homes since the unrest. Interestingly, though, not all homeowners end up selling.

The KZN North Coast has actually become a semigration area in its own right since the end of lockdown. While recent events will slow this trend initially, South Africa does have a way of pulling us all back in with her natural beauty and amazing quality of life.

Q: I want to sell a couple of my rental properties but I have tenants already living in them. How do I navigate this?

PICTURE: DILLON KYDD/UNSPLASH

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LEAGUE OF HER OWN /

Women Who Rise With Heart

group sales. My goal is to emulate the longstanding success of the Atlantic Seaboard and City Bowl teams who continue to dominate in those territories. As a group we’re also currently spearheading 28 developments in niche areas across the city.

What has been your greatest challenge during the pandemic?

The greatest key to success when juggling multiple things is limiting what and who occupies my headspace. You must make a conscious decision to spend your precious time with people who bring value. To avoid complete depletion of your energy you can’t waste time on things that aren’t deserving of it.

Elegant candour.

Personally, it was managing anxiety of the unknown and creating a structured environment for my children. Professionally it was pivoting a business heavily reliant on face-to-face interactions to all our agents operating online and support staff working from home. Dogon’s stellar sales and rentals during all lockdown levels is testimony to our adaptive success. When many businesses were folding, we not only survived, but grew.

These two words are synonymous with a remarkable woman who defines success both personally and professionally as the power of her relationships. Leading with heart, for her, is about maintaining these relationships in a way that is honest, sustainable, and synergistic.

When interviewed for this feature, Group MD of Dogon Group Properties, Alexa Horne, emphasized that although honoured to be regarded as a woman breaking barriers (and one who passionately advocates for gender balance at that) she holds equal esteem for single men juggling everything at this intense time of global uncertainty.

Yes, she’s a single Mum raising two children as well as heading one of South Africa’s premier boutique real estate brands as a woman in her 40s, but she’s ultimately about the human story.

The reality is I couldn’t be happier. I feel so fulfilled from every perspective; I’ve got two incredible kids and an unbelievably supportive partner, family, and girlfriends.

And the business I lead is showing solid growth. If the pandemic has taught us anything, it’s how to leverage change. Ultimately, we all need to inspire each other to be – and always be – human beings breaking barriers.

As a LLB graduate from the University of Cape Town, her impressive career spans roles at renowned firms like Investec and Cliffe Dekker Hofmeyr. In addition to now being at the helm of Dogon Group, Alexa is a top-producing agent in the luxury realty sector, her well-honed financial and legal skills making her a formidable player.

With a finger on the pulse of Cape Town lifestyle and an influential national network, Alexa delivers a multiservice package to her clients. She continues to grow the Dogon team, since the beginning of the pandemic sixteen new agents have joined the company.

With her tenacity, confidence, and dedication complimented by a vivacious “can do” attitude, getting to know Alexa is much more of an opus than it is a privilege.

She lives with her family in Upper Claremont.

Article By : Iwan Jooste / Penhaus

‘Breaking down barriers.’ What does this mean to you?

Beyond the financial definition of success, true success is about breaking barriers in relationships. With clients this means being hands on, serving them with humility and focused efficiency. With my team it means leading by example, remaining empathetic but always demanding excellence. And with my loved ones it means making time – and when making that time being present, available, and connected.

What message do you have for fellow female leaders like yourself?

Being a successful woman in business takes sacrifice, determination, and focus. The key is to work with what you have, then innovate. By getting into the shoes of an agent I not only fully understand their struggles but can prove to them what’s possible by first doing it myself. Since becoming MD of Dogon Group, my focus on the Southern Suburbs where I’ve resided all my life has seen our brand expand significantly there. Our transactions in the area now account for a notable portion of

How do you take care of your mental and emotional health?

Exercise and running are my therapy. I’m also very strict with myself. Self-discipline and self-care go hand in hand because they’re about maintaining balance. You must take care of yourself before you can take care of others.

How do you feel you are leading Dogon differently and what’s next for the group?

Denise Dogon, an incredible woman who broke her own barriers, left me big shoes to fill. Despite having very different leadership styles, we’re both about empowering those who work with us. So, it’s not so much about doing things differently to her, but rather complimenting her vision with mine for the success of all. What’s next? Apart from my focus to expand Dogon on the Western Seaboard, it’s continuing to stay focused on our own change and be the best version of ourselves by constantly innovating and adapting to meet our clients’ needs while maintaining a happy team.

For a woman who champions all humans breaking barriers, this woman breaking barriers by building her business interaction by interaction proves that relationships are the bricks and mortar to success. Alexa also reminds us that being in a league of her own is not about being set apart – but rather being at the heart of it all, paving the way for others.

Alexa Horne 082 349 7799 alexa@dogongroup.com

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Tel: 031 764 7996 Cell: 083 562 3630 www.pixiegestates.co.za | lara@pixiegestates.co.za Friendly and professional

PixieG Estates

OUR MANDATE ASSAGAY R2 100 000 4 BEDROOMS | 3 BATHROOMS | DOUBLE GARAGE SUNNY FAMILY HOME IN LEAFY LANE + BACHELOR PAD The main home has a lovely enclosed patio area with stack doors, open plan kitchen/dining/lounge area with modern fittings. 3 Good sized bedrooms all with BIC’s, family bathroom, spacious main bedroom with en-suite. Below the house is a terraced section with a large pool and paved outdoor entertainment area. This home is in a safe and lovely area, close to all amenities yet with a country feel. Very secure and priced to sell.

Call JANE 061 054 1035 • Web Ref: 596

TIMED ONLINE AUCTION TUESDAY, 21st SEPTEMBER 2021 AT 12 NOON https://bidlive.maskell.co.za Duly instructed by the Provisional Trustees of the Estate late: NSP Dhlalisa, Master Ref. no.: N000220/2019

URGENT AUCTION OF PRIME ±434SQM (GLA) MIXED USE PROPERTY WITH ROAD FRONTAGE ONTO WEST STREET: 130 WEST STREET, PMB CENTRAL IDEAL OPPORTUNITY FOR INVESTORS

BIDDING OPENS AT 12 NOON ON TUESDAY THE 21ST OF SEPTEMBER 2021 & CLOSES AT 12 NOON ON WEDNESDAY THE 22ND OF SEPTEMBER 2021 Download our APP “Peter Maskell Auctioneers” – from IOS or the Play Store OR visit https://bidlive.maskell.co.za Contact Danielle 082 801 6827 / 033 397 1190 / danielle@maskell.co.za • R50 000 buyer's card deposit payable by EFT • 10% deposit payable by purchaser on fall of hammer • Commission @ 6% (six percent) on the purchase price payable by the PURCHASER on the date of auction • FICA docs to be provided • Sale is subject to confirmation • “ABOVE SUBJECT TO CHANGE WITHOUT PRIOR NOTICE” (E&OE)

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HOME LOANS

Now is the time to find out how much you qualify for as the repo rate is at a record low.

Celestine is always available to take your call and guide you through the process from application through to registration.

She will pre-qualify you for a home loan before you start house hunting.

A pre-approval is very useful when house hunting as it helps the agent narrow down which properties to show you and not waste unnecessary time.

Complete one application and she will apply to all 4 major banks and negotiate the best interest rate on your behalf.

Call her for quick and efficient service Please feel free to contact Celestine at any time on 084 559 1786 | celestine@property360.co.za

www.property360.co.za

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A G E N T S ’ D I R E C T O R Y

RAWSON PROPERTY GROUP Cape Town Office 021 658 7100

debbie.reabow@rawsonproperties.com

www.rawson.co.za

COUNTRY & COASTAL PROPERTIES Western Cape Office 082 576 9366 Email: info@countrycoastal.co.za www.countrycoastal.co.za

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KINGSFORD ESTATE Westville, KZN Office: 087 012 5670 Email: info@kingsford.co.za www.kingsford.co.za

PixieG Estates

DOGON GROUP PROPERTIES Atlantic Seaboard Office 021 433 2580 Email: thekings@dogongroup.com www.dogongroup.com

RENNIE PROPERTY Johannesburg & Cape Town 011 656 2162 / 021 418 1550 buy.princess@rennineknightfrank.co.za www.rennieproperty.co.za

PIXIEG ESTATES Upper Highway - KZN Contact: 083 562 3630 Email: info@pixiegestates.co.za www.pixiegestates.co.za

DOGON GROUP RENTALS Sea Point Office 021 433 2580 Email: enquiries@dogongroup.com www.dogongroup.com

RHONDA RAAD PROPERTIES Cape Town Office 082 448 7795 Email: rrpsales@mweb.co.za www.rhondaraadproperties.co.za

THE WOODLAND Umhlanga Office 081 281 3960 Email: info@woodland.co.za www.woodland.co.za

DOGON GROUP PROPERTIES Southern Suburbs, Claremont Office 021 671 0258 www.dogongroup.com

BALWIN PROPERTIES Ballito Office 084 788 1020 Email: michelle@balwin.co.za www.balwin.co.za

SHELLEY RESIDENTIAL KZN Office 082 412 4463 Email: hello@shelley.co.za www.shelley.co.za

DOGON GROUP PROPERTIES Western Seaboard Office: 021 556 5600 or 021 433 2580 Email: enquiries@dogongroup.com www.dogongroup.com

PETER MASKELL AUCTIONEERS KZN Office: 033 397 1190 Email: info@maskell.co.za www.bidlive.maskell.co.za

KLOOF RETIREMENT VILLAGES Upper Highway - KZN Contact: 073 2100 577 Email: lhan@telkomsa.net www.kloofretirementvillages.co.za

southernsuburbs@dogongroup.com

www.property360.co.za

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